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Georgia Life Insurance Quotes

Welcome to our Web site. We are InsureMe, the first online consumer insurance information and quoting service, and we would like to assist you in your Georgia life insurance shopping effort.

Established in 1993, our company was designed to help consumers find the insurance best suited to individual needs. We take that assignment seriously, as we know you do. Just provide us with the requested information about your lifestyle and habits, and we'll get you up to five competitive Georgia life insurance quotes from our contracted agents.

Protect those who depend on you the most. Contact InsureMe today!

Georgia Life Insurance Information

Most insurance policies are designed to protect you and your property from damage, injury or loss. Life insurance, in contrast, is aimed at protecting your dependents from financial and monetary loss, and at providing for their welfare in the event of your death.

There are many different types of Georgia life insurance available, each designed to fit unique circumstances and individual needs. Following are some of the most basic types of Georgia life insurance accessible and explanations of each. Examine each type to understand its concepts and determine which policy type best suits you.

Basic Types of Life Insurance

Term life and cash value (or permanent) life are two of the most basic types of life insurance available. Term life is the simplest form of Georgia life insurance, covering you for a term of one or more years. Georgia term life policies are normally written for individuals who need large amounts of coverage for specific time periods. This type of policy can usually be renewed at the end of its term, even if your health has changed.

Initial premiums for Georgia term life insurance are usually much less than for permanent life insurance, but they may increase each year (or remain level) for a specified period. Term life insurance provides good coverage for young Georgian families raising children or paying off mortgages. These policies are, however, short term solutions and do not build equity-but monthly costs are low, so individuals with limited resources are able to purchase life insurance protection.

Most term life policies do not accrue cash value; however, they offer the largest insurance protection for your dollar.

Cash value or permanent insurance provides Georgians with long-term financial protection. This includes both a death benefit and, in some cases, cash savings. Permanent insurance equity builds over time, but premiums are higher than those of term insurance. Rates usually remain the same once the policy is purchased. Those who are attempting to meet long-range financial goals do well utilizing this type of insurance.

You can obtain several other types of Georgia life insurance policies, so speak with a licensed Georgia life insurance agent when comparing policies and deciding which type works best for you.

"Do I really need life insurance?"

You should consider buying Georgia life insurance if:

  • You're married and your spouse depends on your income
  • You have children
  • You have an aging parent or disabled relative who depends on your income
  • Your retirement pension, savings or other assets won't provide your loved ones adequate support when you die
  • You own a business
  • You have a large estate and expect to owe estate taxes

"How much life insurance do I need?"

Determining your current need for life insurance and how much you can afford to spend is the first step in deciding how much Georgia life insurance to buy. Some of the factors you should consider in making this determination are marital status, family size, number of dependents and income. Examine the financial resources your dependents would have if you died now, and what they would need to maintain their current standard of living. Take all assets and income into consideration, including savings, investments, personal property and any real estate owned. Conversely, consider your family's cost of living, educational costs, and any other potential financial needs. Then closely examine your budget and living expenses to determine a comfortable, affordable monthly premium.

"What factors determine my life insurance premium?"

Your premium amount depends on the type and amount of insurance you buy, as well as your chance of death while the policy is in effect. Risk of death is determined by factors such as your age, gender and medical condition. Other elements Georgia life insurance companies take into consideration when determining your premium might include the company's overhead expenses and necessary agent commissions.

Helpful Tips for Obtaining and Maintaining Your Georgia Life Insurance

Following are some suggestions to consider when purchasing and maintaining a Georgia life insurance policy:

  • Discuss your potential life insurance purchase with family members, legal advisors and others you trust.
  • Buy only what you can afford.
  • Answer all application questions fully and accurately.
  • Verify all agent and company licenses.
  • Read the policy carefully before you sign it. Direct any questions to the insurance agent or company.
  • Review your life insurance policy every few years to determine if changes are warranted.
  • Maintain copies of all insurance policies and statements, as well as receipts for premiums paid.

For more information about purchasing life insurance in Georgia, or if you have questions about a currently-held Georgia life insurance policy, call the Georgia Insurance and Safety Fire Commissioner's Office toll free at 800-656-2298.

Protect your family now!

Thank you for visiting our Georgia life insurance quotes and information page. We hope the above information has helped answer some of the questions you may have about life insurance, its purpose, and how to look for the policy that best fits your individual needs.

We know how important your loved ones are…and finding the Georgia life insurance plan that will protect them best in your absence is one of the most important things you'll ever do. Let InsureMe put you in touch with knowledgeable Georgia life insurance agents who understand your concerns and will compete to help you find the best solution to your life insurance needs. Just fill in our "Get a free quote" box now, and take care of your family today.

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